UNTYNasdaqState Commercial BanksFiscal year ends December 31
UNITY BANCORP INC /NJ/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$55.57−0.83 (-1.47%)
Close on Oct 19, 2026
- Market cap
- $567.98M
- P/E (TTM)
- 9.7
- Dividend yield
- 1.04%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
44.0%+13.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +23.1% | +10.3% | +11.2% | +12.2% | |
| Net income | +39.8% | +14.6% | +19.6% | +19.7% | |
| EPS, diluted | +39.7% | +16.5% | +21.0% | +18.7% | |
| Free cash flow | -6.2% | +2.5% | +15.3% | +36.1% | |
| Dividend per share | +11.5% | +10.5% | +12.6% | +16.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 14.3% | 14.1% | 18.1% | |
| Return on assets | 1.2% | 1.3% | 2.1% | |
| Capex to revenue | 19.5% | 0.7% | 0.4% | |
| Diluted shares | 10M | 11M | 10M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Unity Bancorp generated $215.00M from operations and spent $59.46M on capital expenditure, dividends and share buybacks. 8% of that went back into the business.
Generated
$215.00M
Used
$59.46M
Capital expenditure$4.94M8%Dividends$23.34M39%Share buybacks$31.17M52%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin44.0%
×Asset turnover0.05×
×Equity multiplier8.77×
=Return on equity, FY202518.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 44.0% | 0.05× | 8.77× | 18.1% |
| FY2024 | 38.7% | 0.04× | 9.39× | 14.9% |
| FY2023 | 38.5% | 0.04× | 10.03× | 15.9% |
| FY2022 | 39.2% | 0.04× | 10.07× | 17.3% |
| FY2021 | 40.5% | 0.04× | 10.52× | 19.0% |
| FY2020 | 30.6% | 0.04× | 10.99× | 14.1% |
| FY2019 | 35.2% | 0.04× | 11.02× | 15.8% |
| FY2018 | 34.9% | 0.04× | 11.83× | 17.1% |
| FY2017 | 23.8% | 0.04× | 11.79× | 11.5% |
| FY2016 | 26.8% | 0.04× | 12.31× | 14.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$57.95M
- Cash generatingOperating cash flow above zero$44.91M
- Return on assets improvedROA up on the prior year1.6% → 2.2%
- Earnings backed by cashOperating cash flow above net income$44.91M vs $57.95M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise10M → 10M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.05